market the tax breaks. is that something you can replicate on the continent? we have this branch of financial services now. we will increase the penetration of financing. it is giving additional business opportunities and increases customer retention. >> why will i buy one of your cars this year? simply because you're financing is better or because i like the product? talk me through the selling points that gm is going to be delivering to put itself back on the map. >> we believe that the product and the brand are key. the product is really improved now. we have great products. the brand is also great. opel got a bit too pale in the past. we have a new campaign now. the german and approachable bit of the brand. on the technology side, we have really given products the new engines. >> you have a lot of ties with russia. can you plan for what is going on right now? do you have contingencies in place? >> it is obviously difficult to plan in such an environment and in emerging countries in general. russia is a very important market for us. it is the third biggest